So here it is in a nutshell, My wife has an Rollover Ira from a past jobs 401k. It's currently around $108,000 In the past 6 years it has only gained around 8k with the markets being what they are(was up around 16k at one point though). If we were to cash it out, we would be able to pay off all of our debt, except for our mortgages. If we were debt free, we could then start stashing around 30k a year into savings. I work for the state and am building a pension, and she is working at another job already maxing out into another 401k, so this isn't our only retirement fund. We still have 17-18 more years till retirement. My thinking is a loss now would end up making up for itself over time. In 18 years if we were stash the money and not touch it at all, we would have $540, 000 just form deposits, not counting any interest. With the market the way it is, and the history of this IRA, I don't ever seeing it equal that amount of money. So tell me, is this just a completly idiotic idea and should I quit thinking about it?